What is a Good Credit Score in South Africa?
Find out what credit score range is considered good, and how our service is designed to get you there.
A credit score is a three-digit number that represents your creditworthiness. In South Africa, scores typically range from 300 to 850. The higher the number, the lower the risk you pose to lenders.
While each credit bureau has its own model, achieving a top-tier score requires a flawless credit report—something our service is designed to help you achieve.
South African Credit Score Ranges
- 750+ (Excellent): The goal. You are a very low-risk borrower and will qualify for the best interest rates.
- 680 - 749 (Good): A strong position, but there may still be minor issues on your report holding you back from the very best offers.
- 620 - 679 (Fair/Average): Lenders see you as a moderate risk. You'll get credit, but it will be more expensive. This range often indicates fixable problems on your report.
- 580 - 619 (Needs Improvement): A clear sign of negative listings. You will struggle to get approved for credit at reasonable rates.
- Below 580 (Poor): Indicates serious negative listings like defaults or judgments. Professional intervention is essential at this stage.
How We Engineer a Higher Credit Score
Your score is calculated from the information in your credit report. Our service focuses on legally optimizing these factors:
- Payment History (Biggest Impact): We work to remove incorrect late payment or default listings that are unfairly dragging your score down.
- Debt Usage (Credit Utilization): We analyze your report for opportunities and provide strategic advice on how to manage your balances for maximum score impact.
- Length of Credit History: We ensure that the age of your accounts is reported correctly and advise against actions that could shorten your credit history.
- Removing Negative Public Records: Our legal team specializes in rescinding judgments and clearing debt review flags, which provides the single biggest boost to a damaged credit score.
Achieving a good credit score is not about quick fixes. It's about systematically identifying and removing every single negative and incorrect item from your report. This is a meticulous, expert-led process—the very service that Dispute It provides. Let our experts take control and guide you to a better score.
The credit repair process is complex and requires specialist knowledge to ensure success. Don't risk handling it alone. Our experts at Dispute It are ready to manage your case and deliver results.